ASPCA | Pet Insurance Review

4.7

out of 5

Number of reviews 11,660

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.6
  • 4.7
  • Count
  • 13
  • 44
  • 11,660

Updated: May 29, 2024

ASPCA Pet Health Insurance® is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice. Learn more about ASPCA’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Ellen Cookman

Ulysses says thanks!

We have a one-year-old boxer/pit bull mix named Ulysses, who managed to get in a car accident and swallow part of a shoe in the same week! Our ASPCA insurance covered a portion of the claim, and they were very helpful and responsive. We saved many times over the premium last year. I only wish we'd signed up for a higher cap for coverage -- but that's our fault, not ASPCA! Highly recommended.
5

out of 5

POSTED: | BY: terry meyer

aspca pet ins

aspca pet ins has been great. they pay their claims promptly and they cover a full 80% of the vet bill. previously i had another pet insurance company that was always shortchanging me with scheduled reimbursements. many times i would get 50% or less coverage for vet bills in addition to their deductible. i have recommended aspca pet ins to many of my friends who are dog owners.
5

out of 5

POSTED: | BY: Jane Van

Quill emergency financial help

Thanks for offering accident insurance. With four dogs in the mountains, just having some of the costs of an emergency extraction of 30 or so porcupine quills from William's muzzle has helped a great deal. Good to know you'll be there for my pack.
4

out of 5

POSTED: | BY: Patricia A.

Decent pet insurance that everyone should consider

With economy in its current state, it having Grim insured is one less worry. I believe if you have a pet you need to be able to pay for their care, for me ASPCA Pet Insurance is one of the ways I am able to do so. Grim has had bladder issues and recently had what the vet termed a FLUTD (Feline lower urinary tract disease) and possible UTI. When I submitted the claim to ASPCA Pet Insurance, they were prompt to let me know they received it. It took a couple of weeks for them to let me know that they need more information from the vet. I was not clear on what further information was needed and if it had been something I could have provided when I submitted my claim. I think those things could be better communicated. That being said, they let me know when they received the information from my vet then processed my claim within two weeks of that (it probably would not have taken that long if it had not been right around Christmas at this point [which is understandable that it would take extra time during the holidays]. Only one item of was not covered of the many items on our statement, which was the pill case treats, which is stated on their list of exclusions, everything else was covered at 80% of customary cost. Living in downtown DC, Grim's vet is the closest one to where we live, so what is considered customary and reasonable for our area is at times significantly lower than what we pay, but that is the norm for this area, and a choice we made about which vet
4

out of 5

POSTED: | BY: Janet E.

ASPCA coverage for my cat is total peace of mind.

Katie had two trips to the vets and when she calmed down with the treatment, and the diet change I submitted a claim. It was a couple of weeks before I heard, but I did hear shortly and the claim was partially paid as I have $100 deductable.

Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. No lifetime limits.

Deductible

$100, $250 or $500 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered. ASPCA Pet Health Insurance has two Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment. If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee. Accident-Only coverage available.
ASPCA Pet Health Insurance®, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice.  Preventive Care is available at an additional cost.

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